Does anyone use capital bank and their smart checking services? They are offering great interest rates 4% apr and up to $20/month in atm fee reimbursement. Thinking about switching over. http://www.capitalbank-nc.com
2/19/2010 9:08:22 AM
and the catch is....
2/19/2010 9:12:31 AM
Buy an ad
2/19/2010 9:15:55 AM
Wanted to know if any users had this type of account with Capital Bank.
2/19/2010 9:19:30 AM
^^^You know, normally, when it comes to a thread like this, I'd be researching this myself and then finding the unpleasant nugget of [whatever], and then trying to do a bit of consumer education, if necessary.But your post history tells me that it'd all be lost on you and that you're a blathering idiot. So I'm not even gonna waste my time.[Edited on February 19, 2010 at 9:31 AM. Reason : fdf]
2/19/2010 9:28:46 AM
Ambrosia, if you dont have anything positive or helpful to add to the discussion please refrain from posting. Appreciate any feedback from any capital bank customers.
2/19/2010 9:44:32 AM
2/19/2010 9:52:49 AM
They just lowered the amount they pay the 4%(used to be 5%) on to the first $10,000(used to be first $25,000). They also used to have unlimited ATM reimbursement(since they have ZERO atms.) They're also going nationwide soon(http://www.capitalbank-us.com)Other than having very few branches, I've had no problems. They occasionally have cookouts where you can meet the big wigs.
2/19/2010 10:03:49 AM
next thing you know he is going to say get a real life and get off the internets
2/19/2010 10:04:40 AM
2/19/2010 10:10:00 AM
Why?Cause I called him out on presenting himself as a lazy idiot, or because I failed to do so in conjunction with more helpful content?Instead, a post simply consisting of "^^^" would have been lounge-worthy, eh? [Edited on February 19, 2010 at 10:16 AM. Reason : asdf]
2/19/2010 10:15:11 AM
No, just that the point of separating The Lounge and Chit Chat is to try to make it informative, whereas Chit Chat is perfect for "screwing around" ala
2/19/2010 10:21:47 AM
2/19/2010 10:23:22 AM
2/19/2010 10:27:38 AM
D'oh!No.I should have put in a separator. That was: ^^^makes a good point; blahblahblah. Not: blahblahblah @ ^^^
2/19/2010 10:41:13 AM
lol, ok. your post makes more sense to me that way... I was confused for a second
2/19/2010 10:44:04 AM
Yeah...sorry
2/19/2010 10:45:25 AM
2/19/2010 11:47:28 AM
2/19/2010 11:52:50 PM
anything that seems too good to be true should be viewed with skepticism...why would a bank borrowing at 50 bps lend to you at x+350 bps?
2/20/2010 12:38:16 AM
4% on $10,000 is chump change to get you in the door. Then they can rape you on proper loans throughout your life.
2/20/2010 1:12:22 AM
dude, stay away from banks....use a credit union
2/20/2010 1:58:56 AM
Crescent State Bank pays 5% for the first 25,000 in your account, and you can have two accounts. There are a few catches like you need to use their ATM 10 time a month and you need a monthly draft going into it. But they have some local branches and their customer service is excellent.
2/20/2010 8:27:39 AM
We like our smart checking account. We keep the balance right at the 25,000 limit and make 4% on it. Thats better than any CD I have seen this year. If you got the cash and want to keep it liquid this is not a bad idea. We only draft our bills out of this account. I would not want a debit card that could be easily lost or stolen linked to 25,000. We keep anther checking account at SECU for our regular purchases.
2/20/2010 9:31:50 AM
2/20/2010 10:05:50 AM
2/21/2010 12:07:53 AM